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Missouri Workers Comp Medical Treatment Very Expensive – NCCI Study


Missouri Workers Comp Medical Treatment 304% More Expensive Than Health Insurance

I forgot to finish this article on Missouri Workers Comp medical treatment that I started at the WCRI Annual Conference two weeks ago.   The comparison is still worth examining for medical costs.

Hands presenting wcri prior recession report health insurance

NCCI (National Council on Compensation) Insurance headquartered in Boca Raton, FL decided to compare health insurance costs to worker’s compensation medical treatment.

WCRI and NCCI have compared health insurance costs to Worker’s Comp in the past.   Check out these articles on those studies.

Health Insurance Treatment Costs Less 

Will No Health Insurance Cause Case Shifting?

The NCCI study can be found at this PDF.   The study is worth a  review and a download.  I usually look for any anomalies or outliers.  Why?  Because that is what I do in my articles.

The NCCI study had changed from before in a few areas including the reduction of radiological study costs.

The one outlier that jumped off the page came from the “Show Me State.”  Missouri Workers Comp medical treatment costs, when compared to health, appeared as almost an outlier.

Jurisdictions included in the study were AK, AL, AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MO, MS, MT, NC, NE,
NH, NM, NV, OK, OR, RI, SC, SD, TN, UT, VA, VT, and WV.   A comparison of 37 states is rather comprehensive.

Most of the states that had no medical fee schedules were more expensive.   Medical fee schedules have been covered in the following recent articles.

NCCI used relativities which were likely the best way to compare the data.   NCCI covered price and utilization as the two relativities.   Check out page 7 of the study for a nice summary comparison.

Missouri Workers Comp Medical Treatment NCCI Study
(c) NCCI, Boca Raton, FL – All Rights Preserved – Please click on chart for higher resolution

Please click on the chart for better resolution.

The Missouri Workers Comp medical treatment excessive cost and utilization stand out very quickly in the above chart.    How should we assess the 300+% relativity when compared to health insurance costs?

As mentioned earlier, Missouri has no fee schedule in place.  States without fee schedules are usually more expensive for Workers Comp.  The utilization component in the second column means the number of visits and tests performed occur much more when compared to health insurance.

The next time Missouri Workers Comp Medical is covered in an article by me, hopefully, the state will have enacted medical cost reductions.


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James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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